Share

Consumer Loans

 At PNCU we offer low financing rates for new and used cars, motorcycles, and personal loans. The actual rate is determined by the individual’s credit score, age of the collateral, and length of the financing term. We finance up to 100% of MSRP on new cars and motorcycles, or 100% of the retail value listed in the NADA Official Used Car Guide for pre-owned vehicles and motorcycles. Limit on model years of cars and motorcycles apply, please see our rate sheet. All loans are subject to credit approval.

Auto Loans

  •  Your actual rate will be determined by your individual credit score
  •  Finance up to 100% of MSRP on new vehicles
  •  Finance up to 100% of retail value on used vehicles
  •  Terms of up to 7 years for new vehicles
  •  Pre-approval available
  •  Guaranteed Asset Protection (GAP Insurance) available
  •  VSI Insurance Required
  •  Maximum loan amount $80,000

View Rates

Motorcycle Loans

  •  Your actual rate will be determined by your individual credit score
  •  Terms of up to 60 months
  •  Finance up to 100% of MSRP on new motorcycles
  •  Finance up to 100% of NADA retail value used motorcycles
  •  Maximum loan amount $50,000
  •  VSI Insurance Required

View Rates

Personal Loans

  •  Your actual rate will be determined by your individual credit score
  •  Terms of up to 4 years
  •  Borrow from $1500 to $10,000

View Rates

Collateral Loans

  • Borrow against your Polish National Credit Union Term Share Accounts
  • Rates and terms vary

View Rates

Includes:

  • Free 24/7 Telephone Banking
  • Free 24/7 online banking & bill paying
  • Mobile Banking
  • Use of all PNCU branches, ATMs and drive-thru tellers
  • Notary service available at all branches
  • Money Orders & Treasurers Checks available at all branches

*The Polish National Credit Union requires a $25.00 deposit into a savings account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.